Senath State Bank

Overview / Commentary

www.senathstatebank.com

573-738-2646

117 East Commercial Street
Senath, MO 63876

Senath State Bank is headquartered in Senath and is the 210^th largest bank in the state of Missouri. It is also the 4,390^th largest bank in the nation. It was established in 1935 and as of June of 2019, it had grown to 18 employees at 3 locations. Senath State Bank's CD rates are 2X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q2 2019

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Senath State Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	15101
Year Established	1935
Employees	18
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	2.29%
Return on Equity - YTD	15.68%
Annual Interest Income	$1.7MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$78.9MM$77.4MM
Loans	Q2 2019vs Q2 2018	$46.0MM$43.2MM
Deposits	Q2 2019vs Q2 2018	$66.7MM$66.1MM
Equity Capital	Q2 2019vs Q2 2018	$12.0MM$11.2MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$777.00K$790.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$634.00K$422.00K
Real Estate Owned	Q2 2019vs Q2 2018	$40.00K$0

Rates

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Senath State Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Senath State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	-	-	Savings

Senath State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.80%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.25% → Up to $10k \| 0.60% → $10k - $25k \| 0.65% → $25k - $50k \| 0.70% → $50k - $100k

Senath State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.97%	-	-	NOW Account

Senath State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.43%	-	-	60 Month CD
2.37%	-	-	48 Month CD
2.32%	-	-	36 Month CD
2.27%	-	-	30 Month CD
2.22%	-	-	24 Month CD
1.97%	-	-	18 Month CD
1.87%	-	-	12 Month CD
1.51%	-	-	6 Month CD
0.80%	-	-	3 Month CD

Senath State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.43%	-	-	60 Month IRA
2.37%	-	-	48 Month IRA
2.32%	-	-	36 Month IRA
2.27%	-	-	30 Month IRA
2.22%	-	-	24 Month IRA
1.97%	-	-	18 Month IRA
1.87%	-	-	12 Month IRA
1.51%	-	-	6 Month IRA
0.80%	-	-	3 Month IRA

Locations

Senath State Bank Locations
Kennett Branch	1112 First Street	Kennett, MO 63857
Senath State Bank	117 East Commercial Street	Senath, MO 63876
Drive-In Branch	202 North East Frisco Street	Arbyrd, MO 63821

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